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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,664 | $67,411+10.8% | $91,004-18.0% | $70,126+6.5% |
| Participation rate | 47.5% | 71.4%-23.8pp | 75.6%-28.1pp | 69.5%-22.0pp |
| Annual return | 18.53% | -40.16%+58.7pp | 4.60%+13.9pp | 73.15%-54.6pp |
| Employer contribution / active EE | $289 | $1,786-83.8% | $2,456-88.2% | $2,343-87.7% |
| Participant deferral / active EE | $2,099 | $2,823-25.6% | $3,548-40.8% | $3,332-37.0% |
| Admin fee / account holder | $121 | $4,236-97.1% | $5,417-97.8% | $4,645-97.4% |